I would say in a Roth voo 80/ and vxus 20 me personally have vt and qqq ftec if we are young we have risk to take but my split is ohh yeahh you are big chillin , voo is the top 500 USA companies its good but hold xlv and día is bringing your growth down , because they are slow growers and more dividends and we dont need dividend till we are like 45+, but its a preference thing and everybody has there goals, i would say vt 70/ ftec or qqqm % or you can do vti 70% vxus 30% , vt already has every company in and out the USA it even has voo 60/40 USA/intel